as @bitsbubba said above, as well as retail (untouched from Sony) packages can be installed on OFW/HAN consoles

Some apps like Netflix, as of 2.30, no longer require PSN, so the retail package can be used as long as OFW Package Manager is already installed, using HAN installer.

For retail packages, you do not enable HAN, just install the package. If it is enabled then reboot and install retail package. HAN needs enabled only to install etHANol resigned packages and other HAN related things

Spotify is a WebMAF app, which so far, none of the newer ones, that the hex edit enablePSN=false patch no longer work on, have been successfully patched to bypass PSN prompt. I am working on this when i have time, but once one of the apps are figured out, they all probably will have the same style patch

Crunchyroll, i have no idea about licensing issues. the JS has been patched already to bypass PSN

Sony only hosts the app on PSN,decision to not tie it to the PSN account is on netflix themselves.there isn't really a reason to require a PSN account and a Netflix account to be able to use it.Netflix probably are powerful enough if pressured just to say no,netflix account is enough to be able to run it,but most probably Sony just doesn't care about ps3 3rd party apps anymore,as they aren't generating enough money to invest attention in.

Sony only hosts the app on PSN,decision to not tie it to the PSN account is on netflix themselves.there isn't really a reason to require a PSN account and a Netflix account to be able to use it.Netflix probably are powerful enough if pressured just to say no,netflix account is enough to be able to run it,but most probably Sony just doesn't care about ps3 3rd party apps anymore,as they aren't generating enough money to invest attention in.